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Defaulting on Student Loans Atlanta, GA

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Defaulting on Student Loans

Ira and Jamie Gingold Bankruptcy Attorneys in Atlanta GA

For years, student loans have been a sort of rite of passage for college age students. In order to afford a college degree, the government has allowed college students to use student loans to pay for multiple years of college education. While this is seemingly helpful for young adults who do not have the means to pay for college education, it does put them in a precarious situation upon graduating from college – or not graduating. All money that is borrowed, is expected to be paid back in full plus interest. However, with the job market as it is these days, many college graduates are having a difficult time acquiring a job after they graduate. Without a job, they do not have the means to begin paying back their student loans. 

When graduates leave college already buried in debt, and when they are unable to secure a job out of college – plus not acquiring the salary they hoped for – they are often unable to escape the reality of debt. However, the other reality that graduates face is the consequence of defaulting on student loans. The government easily gives out money for student loans, yet they are not lenient against borrowers who do not make their student loan payments.

There are serious consequences for defaulting on student loans:

  • You get sued by the government and/or private lenders.
  • The government can take your federal benefit payments
  • The government can garnish a portion of your paycheck
  • The government can intercept your tax refunds

As you see, the government holds strong punishments for those who default on their student loans. Understanding this before you apply for or accept a student loan is essential to your future.

If you are already in a bind over defaulting on student loans or the possibility of doing so, please contact Gingold & Gingold, LLC today. The sooner you contact us, the sooner we can help you get the relief you need.

Posted on behalf of Jamie L. Gingold, PC

195 14th Street NE #1604
Atlanta, GA 30309

Phone: (678) 915-2634


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    Jamie L. Gingold, PC
    5.0 / 5.0

    Based on 28 reviews

    Jack L.

    They did an excellent job with my case. Jamie took the time to really listen and understand things. She delved into the details and was extremely knowledgeable and non judgmental. Very professional and they know what they are doing. Would definitely recommend!

    Karen B.

    Dear Mr Gingold, There are so many reasons to be thankful for all you have done and will do. Anyone who has ever had unfavorable experiences with an attorney or the legal system will feel the trepidation that I experienced once I realized that my situation seemed hopeless. It was by chance and happily good luck that I decided to put my future and sanity into your hands. I was mortified at having to deal with my debts by claiming bankruptcy. I remember in our first meeting how you assured me that I was not alone and should not feel ashamed. And, anyone in this position obviously does not have money to spare and you were clear about all the costs and allowing me to pay according to my own ability to do so. You advised me in all aspects of the law, but also, you were at each meeting incredibly supportive and complementary of my personal and professional plans. Anyone else in this situation should feel blessed to have access to your expertise and support.

    Lyla B.

    I thought the process of filing bankruptcy was going to be a difficult one. However, Gingold & Gingold treated me with respect and dignity from the moment I walked through their door. I had the pleasure of working with Jamie. She is very responsive, professional, and knowledgeable. She took the time and listened to my every concern and handled each and every one of them to my satisfaction. My experience with filing bankruptcy under Gingold & Gingold's representation exceeded my expectations in a major way. They gave me such a peace of mind. I am very pleased with my decision of going with Gingold & Gingold to represent me when I filed Chapter 13 bankruptcy.

    Julie T.

    Wow! I am finally out of debt and can say that I am debt free after completing my chapter 7 bankruptcy case with Gingold and Gingold. Mr dangled was very knowledgeable and direct with regard to my debt situation. there were no surprises and the case went as I was advised. The staff was also very helpful whenever I had a question. I will definitely recommend them in the future to my friends.

    Julie T.

    I contacted getting old and getting old regarding some old tax debt and credit card debt that I needed to address and had been putting off. miss Irving in the office was very very nice and put me at ease. I met with Jaime Gingold. She was very nice and explained the procedure to me and what would be left owing to the Internal Revenue Service and the State of Georgia after my case was done. My case has now been completed and I am on my way to a new start. Thank you Gingold and Gingold for all of your help.

    Anna T.

    Amazing! Outstanding!! They went over and beyond..I would recommend them to anyone needing a lawyer!!

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